Personal Investments • Projections [What should I use as an annual future return?]

Clearly no one has a crystal ball, but I am trying to set some long term goals. for 25-30 year projections in a spread sheet, what should I use a my annual return. IS 8% too much? 5%? What do you think? (not including taxes, not including inflation)

to op:
question:
1
Isn't it more realistic and perhaps more achievable to solidly quantify the 30 year goal, much like a "mission statement" and make a personal "business plan" to achieve that?
2
So for example: you want to have a net worth of 10 million in 30 years, and that is not counting; home value, pension value, etc.
And, then calculate what steps will have to be done from day one, onward, to achieve that?
3
While "annual returns" from invested money does contribute to that end goal. Often, the primary driver of accumulated financial wealth, per se, are your contributions.
Is your question within the framework of having "x" dollars right now, and what percentage return should be used to project forward 30 years? But, that depends on where those dollars are invested. True?

Thanks for the clarifications and better context.
j

Statistics: Posted by Sandtrap — Tue Aug 13, 2024 7:08 pm — Replies 10 — Views 596

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